Having to deal with any type of pain is unthinkable. Especially, if it becomes so unbearable that you can barely move. But what if the excruciating pain was from your back that you injured while working? What happens, will you be covered by workers’ compensation?
Most states require employers to carry workers’ compensation insurance. You are covered by the insurance if you are an employee of the company. The only way to be compensated for your injury is if it happened while you were working or doing something on behalf of your employer or company. It must be considered a work-related injury. The workers’ compensation insurance will pay for your medical expenses that are related to your workplace injury. It also pays any missed wages because of not being able to work. It covers any ongoing care that you may need such as, physical therapy. Workers’ compensation insurance will also cover any repetitive injury, illness or disability while on the job.
Back injuries that are covered
You should see a doctor to get evaluated. This will also provide the doctor an opportunity to properly diagnose the cause of your back pain. There are many different types of back pain that are covered by workers’ compensation. Some are more severe than others. There are also different types. They include:
- Herniated, slipped or bulging discs
- Lower back sprain
- Lumbar or lower back pain
- Chronic back pain
- Pinched nerves
- Damage to the spinal cord
- Back spasms
If you are injured while working, after seeing your doctor, it is a good idea to notify your employer about your injury as soon as possible. Your employer will contact the workers’ compensation provider to submit a claim. After the claim is submitted, it will be reviewed and then the insurer will decide whether to approve or deny your benefits.
No one wants to be injured while working but it does happen. It is good to know what to do if it ever does happen to you.